Free budget calculator & debt payoff planner
Plan your monthly budget, map your credit card debt payoff strategy, and project your financial future — all in one free tool. No signup required.
Budget Dashboard
Track gross income, taxes, and expenses by category. See your real take-home pay and monthly surplus.
Debt Payoff Planner
Compare Avalanche vs Snowball strategies side-by-side. Find the fastest, cheapest path to debt freedom.
Cash Flow Projection
See month-by-month how your debt shrinks, when each card is paid off, and when you become fully debt-free.
How this works
Avalanche method
Pay minimums on all cards, then put every extra dollar toward the highest-interest card. Mathematically optimal — minimizes total interest paid.
Snowball method
Pay minimums on all cards, then focus extra payments on the lowest balance. Builds momentum with quick wins — psychologically motivating.
Interest calculation
Monthly interest = (APR ÷ 12) × balance. Applied before payment each month. Minimum payments floor at $1 or the remaining balance.
Payment allocation
All cards receive their minimum payment. Any surplus goes to the priority card. When a card is paid off, its minimum rolls into the next.
Want to learn more about personal finance?
A beginner-friendly guide covering budgeting, debt, and everything in between.